20/11/2023

Imfashanyigisho yo kwifuza banyiri amazu

Mugihe utangiye urugendo rwo gutunga urugo, gusobanukirwa amahitamo yawe yinguzanyo ni ngombwa.Inguzanyo zisanzwe zinguzanyo, amahitamo azwi mubaguriza bafite amanota meza yinguzanyo hamwe ninjiza ihamye, itanga inzira yo gusohoza inzu yawe yinzozi.Ku nguzanyo ya AAA, turi hano kugirango tuyobore ibintu byingenzi byinguzanyo zisanzwe kandi twerekane uburyo bishobora guhuza nubukungu bwawe.

 

Inguzanyo isanzwe ni iki?

Inguzanyo isanzwe ni inguzanyo yo munzu idafite ubwishingizi cyangwa ingwate ninzego za leta kandi irashobora gushyirwa mubikorwa nkinguzanyo zihuye cyangwa zidahuye.Guhindura inguzanyo bivuga ibyujuje ibisabwa byashyizweho na Fannie Mae cyangwa Freddie Mac.Nubwo inyungu zidasanzwe zitangwa ninguzanyo zimwe na zimwe zishyigikiwe na leta, inguzanyo zisanzwe ziracyari nyinshi kandi zikunzwe kubantu benshi bagura amazu.Ikintu cyingenzi cyinguzanyo zisanzwe nuburyo bworoshye mubijyanye.Mubisanzwe, bazana igihe gisanzwe cyimyaka 30 yinguzanyo, ariko amahitamo yimyaka 15 na 20 nayo arahari, ajyanye nibyifuzo bitandukanye byamafaranga na gahunda yabagurijwe.Byongeye kandi, inguzanyo zisanzwe zitanga amahitamo hagati yikigereranyo cyagenwe ninguzanyo zishobora kugabanywa (ARM).Ihitamo ryateganijwe ritanga ituze hamwe ninyungu ihamye mubuzima bwinguzanyo, bigatuma ihitamo ryiza kubateganya gutunga amazu maremare.Kurundi ruhande, inguzanyo ya ARM itangirana nigipimo gito gishobora guhinduka mugihe, gishobora gushimisha abategereje kwimuka cyangwa gutera inkunga mugihe gito.Ubu buryo butandukanye butanga inguzanyo zisanzwe zijya kuri benshi bashaka gutera inkunga amazu yabo.

Ibyingenzi byingenzi byinguzanyo zisanzwe
Amafaranga make yishyuwe: Inguzanyo zisanzwe zisaba kwishyura mbere ya 3% kugeza 5%.Guhitamo kwishyura mbere birashobora kuganisha ku nyungu nziza no gukuraho ibikenerwa mu bwishingizi bw’inguzanyo (PMI).

Ubwishingizi bw'inguzanyo ku giti cyawe (PMI): Niba ubwishyu bwawe butarenze 20%, PMI irasabwa, kurinda uwatanze inguzanyo mugihe atishyuye.Igiciro cya PMI kiratandukanye, giterwa nibintu nkibipimo byinguzanyo-ku gaciro n amanota yinguzanyo.

Ibisabwa amanota yinguzanyo: Inyungu yingenzi yinguzanyo zisanzwe nubushobozi bwinyungu ntoya hamwe n amanota menshi yinguzanyo.Mubisanzwe, hasabwa amanota ntarengwa yinguzanyo ya 620.

Ikigereranyo cy'umwenda-ku nyungu (DTI): Ikigereranyo cya DTI ni ingenzi mugikorwa cyo kwemeza.Byiza, bigomba kuba munsi ya 43%, hamwe nibipimo byo hasi bikaba byiza.

Isuzumabumenyi hamwe n’umwanditsi: Gahunda yacu yo kwandika isuzuma uko ubukungu bwawe buhagaze, mugihe isuzuma ryemeza agaciro k'umutungo, ryemeza ko rihuza n'amafaranga y'inguzanyo.
Imipaka y'inguzanyo: Inguzanyo zisanzwe zishyirwa mu rwego rwo guhuza cyangwa kudahuza.Guhindura inguzanyo byujuje imipaka yashyizweho na Fannie Mae na Freddie Mac, mugihe inguzanyo zidahuye (jumbo) zirenga izi mbibi.

Igipimo cyinyungu: Muri AAA LENDINGS, dutanga igipimo cyinguzanyo zipiganwa kuruguzanyo rusanzwe, rutandukana ukurikije uko isoko ryifashe hamwe numwirondoro wawe w'inguzanyo.

Kuki Guhitamo Inguzanyo isanzwe hamwe ninguzanyo za AAA?
Guhindura ingano yinguzanyo ninguzanyo: Hindura inguzanyo yawe kugirango uhuze ibyo ukeneye, byaba amafaranga menshi yinguzanyo cyangwa igihe cyo kwishyura.

Igipimo cy'inguzanyo zipiganwa: Turakora kugirango dutange ibiciro byiza, bivuze ko ushobora kuzigama mubuzima bwinguzanyo yawe.

Serivise yihariye: Abakora umwuga w'inguzanyo batanga inama yihariye, bakwemeza ko wumva amahitamo yawe kandi ugashaka inguzanyo ijyanye nintego zawe zamafaranga.

Gutegura Inguzanyo isanzwe
Mbere yo gusaba, ni byiza kuri:

• Ongera usuzume raporo y'inguzanyo kandi utezimbere amanota yawe nibiba ngombwa.
• Kubara DTI yawe hanyuma utekereze kugabanya imyenda.Inguzanyo zacu za Mortgage zitanga urutonde rwibikoresho birimo Inyungu-Yonyine yo kubara, Kubara Amortisation, Gukodesha Kugura Kubara, nibindi byinshi.Kunguka ubumenyi buhendutse, inyungu zumusoro, kwishyura amanota, impamyabumenyi yinjira, APR kuri ARM, no kugereranya inguzanyo.Reka tugufashe gusobanura ibyo ukeneye no gufata ibyemezo byuzuye mugihe ukurikirana inguzanyo.Urugo rwawe ruzaza ruri hafi - fata intambwe yambere uyumunsi.
• Uzigame kugiciro kinini cyo kwishyura kugirango uzamure inguzanyo.

Muri AAA LENDINGS, twiyemeje kugufasha kugendana ninguzanyo zisanzwe zinguzanyo.Ubuhanga bwacu hamwe nuburyo bwihariye butuma ufata icyemezo kibimenyeshejwe, ugaha inzira urugo rwawe rwinzozi ufite ikizere kandi cyumvikana.

Kubindi bisobanuro cyangwa gutangira gahunda yo gusaba, twandikire uyu munsi.Reka duhindure inzozi zo gutunga urugo!

Video:Gusobanukirwa Inguzanyo Zisanzwe Zinguzanyo hamwe ninguzanyo za AAA

Itangazo: Iyi ngingo yahinduwe na AAA LENDINGS;amwe mumashusho yakuwe kuri enterineti, umwanya wurubuga ntuhagarariwe kandi ntushobora gusubirwamo nta ruhushya.Hariho ingaruka ku isoko kandi ishoramari rigomba kwitonda.Iyi ngingo ntabwo igizwe ninama zishoramari kugiti cye, kandi ntizita ku ntego zihariye zishoramari, uko ubukungu bwifashe cyangwa ibikenerwa nabakoresha kugiti cyabo.Abakoresha bagomba gusuzuma niba ibitekerezo, ibitekerezo cyangwa imyanzuro ikubiye hano ihuye nibibazo byabo.Shora ukurikije ingaruka zawe.